Financial Services / Banks - RegionalNasdaqCM
$16.37
+0.09 (+0.55%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 26.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
43/100
C
Piotroski
7/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$182M
P/E
18.0x
↑EV/EBITDA
N/A
•ROE
7.3%
↑Gross Margin
N/A
•Debt/Equity
0.22
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2017–2025 · 8 años de histórico normalizado
Revenue CAGR
+8.4%
FCF CAGR
+11.1%
FCF margin
20.4%
FCF / Net income
1.08x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $53.4M · net income $10.0M · FCF $10.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | $53.4M | $53.4M | $28.7M | $43.7M | $47.8M | $43.7M | $44.4M | $41.0M | $33.7M | $27.9M |
| Net Income | $10.0M | $10.0M | $-8.6M | $4.4M | $7.0M | $11.6M | $5.9M | $6.0M | $4.4M | $3.0M |
| EPS | 0.92 | 0.92 | -0.80 | 0.40 | 0.64 | 1.06 | 0.55 | 0.56 | — | — |
| Net Margin | 18.8% | 18.8% | -30.0% | 10.1% | 14.6% | 26.4% | 13.3% | 14.5% | 12.9% | 10.8% |
| Balance Sheet | ||||||||||
| Debt/Equity | 0.22 | 0.22 | 0.62 | 1.17 | 0.58 | — | — | — | — | — |
| Cash Flow | ||||||||||
| Free Cash Flow | $10.9M | $10.9M | $7.7M | $6.5M | $13.7M | $5.9M | $13.0M | $9.5M | $7.5M | $4.7M |
| Returns | ||||||||||
| ROE | 7.3% | 7.3% | -7.1% | 3.9% | 6.5% | 9.2% | 5.1% | 5.4% | 7.4% | 5.5% |
| Valuation | ||||||||||
| P/E | 17.99 | 17.99 | — | 20.88 | 14.09 | — | — | — | — | — |
| P/B | 1.31 | 1.31 | 0.85 | 0.80 | 0.92 | — | — | — | — | — |
| Growth & Yield | ||||||||||
| Revenue Growth | 85.7% | 85.7% | -34.3% | -8.5% | — | -1.6% | 8.3% | 21.5% | 21.0% | — |
| EPS Growth | 215.0% | 215.0% | -300.0% | -37.5% | — | 92.7% | -1.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
16.4%
EPS terminal req.
$1.45
Spread vs growth
198.6%
5Y implied EPS CAGR
13.8%
EPS terminal req.
$1.76
Spread vs growth
201.2%
10Y implied EPS CAGR
11.9%
EPS terminal req.
$2.83
Spread vs growth
203.1%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
+41.4%
Start / end P/E
n/dx → n/dx
EPS bridge
-0.80 → 0.92
Residual
+41.4%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.